I am buying a ground floor flat in Chelsfield. My Conveyancer has never been on on the lender solicitor list. Is it possible for me to retain my Chelsfield conveyancing solicitor even though they are excluded from the lender panel?
You have numerous options available to you here
- Complete the deal with your chosen Chelsfield property lawyer but your mortgage company will no doubt instruct a property lawyer from their approved list. This will result in additional cost and likely frustration.
- Get a new conveyancer to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
- Convince your property lawyer to apply to join the lender panel
My grandmother passed away six months ago and as sole heir and executor I was left the house in Chelsfield. The house had a small mortgage left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Aldermore, pay off the mortgage. Is this possible?
Where you plan to re-mortgage then Aldermore will require that you use a conveyancer on the Aldermore conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aldermore conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aldermore mortgage is registered as a charge at the Land Registry.
My friend recommended that if I am purchasing in Chelsfield I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Chelsfield conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Chelsfield around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chelsfield Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Chelsfield Education with plans and statistics, Local Amenities and other useful information regarding Chelsfield.
The deeds to our house can not be found. The lawyers who handled the conveyancing in Chelsfield 10 years ago have long since closed. What are my options?
Nowadays there are copies made of almost everything, and your conveyancer should know exactly where to find all the suitable documentation so you may buy or sell your house without a hitch. If duplicates can’t be located, your solicitor may be able to arrange cover in the form of insurance or indemnities protecting you against future claims on your premises.
I decided to have a survey completed on a house in Chelsfield prior to instructing conveyancers. I have been informed that there is a flying freehold element to the property. My surveyor advised that some mortgage companies tend not grant a loan on this type of premises.
It varies from the lender to lender. Lloyds has different instructions for example to Nationwide. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chelsfield. Conveyancing may be slightly more expensive based on your lender's requirements.
We are 18 days into a freehold purchase having been directed to conveyancers by the estate agent to do our conveyancing in Chelsfield. I am not happy. Can you help me find new conveyancers?
A conveyancer would have to be very bad to suggest diss instructing them. Has your mortgage been issued? In the event that it has you will need to make them aware of the new contact details and have the offer are re-issued. The conveyancer should be on the mortgage company panel to avoid added fees and complications. That should be your first question of the new lawyers. The find a solicitor tool will assist you in finding a bank approved lawyer for your conveyancing in Chelsfield